Search found 1575 matches

by lazydavid
Thu Jun 21, 2018 11:39 am
Forum: Personal Consumer Issues
Topic: 4K Computer Monitors: 27 vs 32 inches?
Replies: 20
Views: 1230

Re: 4K Computer Monitors: 27 vs 32 inches?

Go big or go home: https://www.abt.com/product/112135/Sony-49-BRAVIA-Ultra-HD-4K-LED-HDR-Smart-HDTV-KD49X720E.html There's a 43" version also if that seems excessive. But I've been using mine for a month and can confirm that it's not. :) Sharp, bright, very low input lag in present/game modes, suppo...
by lazydavid
Wed Jun 20, 2018 1:11 pm
Forum: Personal Consumer Issues
Topic: Top Shelf Liquor Overrated?
Replies: 185
Views: 15333

Re: Top Shelf Liquor Overrated?

In college we had a party where we cooked chili. We set out 2 pots of chili cooked in the same vat, and some wiseguy marked one as "hot" and the other as "regular". There was discussion among multiple people about which was better. My town has a pair of giant above ground municipal water supply tan...
by lazydavid
Tue Jun 19, 2018 12:03 pm
Forum: Personal Finance (Not Investing)
Topic: 0% credit card interest for lawnmower
Replies: 15
Views: 755

Re: 0% credit card interest for lawnmower

I did this a year and a half ago when I was buying a $2000 Ariens snowblower. Watch out, as many of the promos have some sort of upfront fee ($50-200). I was able to find one that did not. Got 0% for 12 months, paid it off in several months early. Like you, I could have paid upfront, but it was easi...
by lazydavid
Mon Jun 18, 2018 2:56 pm
Forum: Personal Consumer Issues
Topic: One handed Android phone?
Replies: 38
Views: 1607

Re: One handed Android phone?

Apple managed to squeeze a 5.5" display into the X, which isn't much larger than the 8. I'm hoping they'll squeeze a 4.5 or 4.7" (or even a 5") display into the SE case (or not much bigger). They will not. Multiple reliable sources have confirmed that the iPhone SE replacement that was expected thi...
by lazydavid
Mon Jun 18, 2018 12:13 pm
Forum: Personal Consumer Issues
Topic: One handed Android phone?
Replies: 38
Views: 1607

Re: One handed Android phone?

Blu makes a series of unlocked GSM Android smartphones in a variety of sizes. They are pretty cheap too. Search eBay for the different sizes and prices. Stay away! Blu has been caught multiple times preloading spyware on their phones. Here's the story from last year when Amazon pulled them after th...
by lazydavid
Fri Jun 15, 2018 12:55 pm
Forum: Personal Consumer Issues
Topic: Apple MacBook Air On Sale $699
Replies: 41
Views: 3909

Re: Apple MacBook Air On Sale $699

It does not need to be anything like cutting-edge - in fact cutting edge is often a negative - high resolution screens in the Windows world are still a negative for many people No one's saying that everyone needs a 3200x1800 touchscreen like is on my 13" work laptop (which works fantastically, btw)...
by lazydavid
Fri Jun 15, 2018 5:02 am
Forum: Personal Consumer Issues
Topic: Top Shelf Liquor Overrated?
Replies: 185
Views: 15333

Re: Top Shelf Liquor Overrated?

I have tried Blue many times; as long as someone else was buying. I found it very good. $180 at Costco. I know someone that had all the colors including Platinum. I tried a little of each, the Blue blew them all away. My favorite JW is Spice Road, the least-expensive entry in their Explorer Series....
by lazydavid
Thu Jun 14, 2018 11:16 pm
Forum: Personal Consumer Issues
Topic: Apple MacBook Air On Sale $699
Replies: 41
Views: 3909

Re: Apple MacBook Air On Sale $699

Be aware that Apple has all but abandoned the MacBook Air. The current model is essentially 4-year-old components inside an 8-year-old chassis. Massive bezel surrounding a low-res, non-IPS display, 5th generation Core processors (8th gen are in most modern laptops today). Here's CNET's quick take: T...
by lazydavid
Thu Jun 14, 2018 9:30 pm
Forum: Personal Consumer Issues
Topic: Changing DNS service to provide more security
Replies: 14
Views: 1436

Re: Changing DNS service to provide more security

That's not how certificate authentication works. Neither your ISP nor a bad actor pretending to be your ISP can "send you rogue certificates" and force your computer to trust them. If one of your trusted certificate authorities is your ISP that is compromised, it is certainly possible. Hence my nex...
by lazydavid
Thu Jun 14, 2018 8:56 pm
Forum: Personal Finance (Not Investing)
Topic: I was rear ended and the other guy wants a payout!
Replies: 106
Views: 8876

Re: I was rear ended and the other guy wants a payout!

What type of insurance do you have that you have to file your own claims with the other insurance company? I pay for insurance so the company will represent me. I find this baffling.. When I had a minor rear-ender last year, I called my agent (State Farm), and after explaining the story, the first ...
by lazydavid
Thu Jun 14, 2018 4:13 pm
Forum: Personal Finance (Not Investing)
Topic: Timeshare ever worth it? Please share details
Replies: 123
Views: 10037

Re: Timeshare ever worth it? Please share details

Can you calculate the ROI (Value in the market - Annual fees)/ price paid Too much work to do it for all of them, so I'll take the 300k in vegas. A 308k deed at the same resort recently sold for $1,555, and a 333k for $3,850. So let's be conservative and take the lower value. Ironically enough, my ...
by lazydavid
Thu Jun 14, 2018 1:07 pm
Forum: Personal Finance (Not Investing)
Topic: Timeshare ever worth it? Please share details
Replies: 123
Views: 10037

Re: Timeshare ever worth it? Please share details

Sounds like you have done well with the timeshare system. Maybe I need to educate myself some more. :idea: I'm curious, it sounds like you bought 2 time share "deeds". My uninformed opinion would have been each deed is a week, is that incorrect? How do you leverage that into 3 to 8 weeks? Deeded we...
by lazydavid
Thu Jun 14, 2018 9:28 am
Forum: Personal Finance (Not Investing)
Topic: Timeshare ever worth it? Please share details
Replies: 123
Views: 10037

Re: Timeshare ever worth it? Please share details

letsgobobby wrote:
Thu Jun 14, 2018 9:14 am
Lazydavid, are you in HGVC?
No, Wyndham. For our Hawaii trip, I wish I was in HGVC, because the Hilton Hawaiian Village is awesome. But otherwise we're quite happy with it.
by lazydavid
Thu Jun 14, 2018 9:09 am
Forum: Personal Finance (Not Investing)
Topic: Timeshare ever worth it? Please share details
Replies: 123
Views: 10037

Re: Timeshare ever worth it? Please share details

I'm glad you have fun with your timeshare, but lets do some math. The OP said it was 44,000 + 1500 yearly. Over 20 years that is $74,000. You get to use the condo one week a year, so that is 140 nights. Actually might only be 120 nights, but lets use the full week of 140. $74,000 / 140 =$528 a nigh...
by lazydavid
Thu Jun 14, 2018 8:53 am
Forum: Personal Finance (Not Investing)
Topic: Timeshare ever worth it? Please share details
Replies: 123
Views: 10037

Re: Timeshare ever worth it? Please share details

How did you get the week at a 3br @ Disney World and still have points for another 2.5 months elsewhere? I have a family member who has a similar cost to you (spends almost $10k/year on maintenance fees) and they stay for 2-3 months per year. But they stay in places like off-strip Vegas 2br units f...
by lazydavid
Thu Jun 14, 2018 8:37 am
Forum: Personal Finance (Not Investing)
Topic: Timeshare ever worth it? Please share details
Replies: 123
Views: 10037

Re: Timeshare ever worth it? Please share details

There is a huge quality of life difference between time-share apartments and hotel rooms. Most time-shares are full apartments with a kitchen, living/family/dining room, and one or more bedrooms. We spend three weeks a year in Hawaii at a time-share we own and love it. But I'm usually up an hour or...
by lazydavid
Thu Jun 14, 2018 8:24 am
Forum: Personal Finance (Not Investing)
Topic: Timeshare ever worth it? Please share details
Replies: 123
Views: 10037

Re: Timeshare ever worth it? Please share details

We own quite a bit on a common account with my parents, and the only points we regret are the relatively small number we paid full price for before we knew any better. All of our resale points we still consider to be a good value. Ongoing costs are also high, but we feel we get value out of it anywa...
by lazydavid
Thu Jun 14, 2018 5:13 am
Forum: Personal Consumer Issues
Topic: Changing DNS service to provide more security
Replies: 14
Views: 1436

Re: Changing DNS service to provide more security

If the ISP is compromised it might send you rogue certificates so you think a DNS translation is signed by the DNSSEC-enabled site, but it really is signed by the malware that compromised the ISP. That's not how certificate authentication works. Neither your ISP nor a bad actor pretending to be you...
by lazydavid
Wed Jun 13, 2018 4:27 am
Forum: Personal Consumer Issues
Topic: Top Shelf Liquor Overrated?
Replies: 185
Views: 15333

Re: Top Shelf Liquor Overrated?

MJW wrote:
Tue Jun 12, 2018 10:45 am
imareal1 wrote:
Tue Jun 12, 2018 10:15 am
Anyone try Johnny Walker Red Label? It's absolutely disgusting.
I think most people that purchase it use it for mixing.
This. It is intended to be mixed with cola. Black is the lowest level JW that is drinkable straight.
by lazydavid
Tue Jun 12, 2018 8:56 am
Forum: Personal Finance (Not Investing)
Topic: Pay off mortgage in 7 years using HELOC?
Replies: 29
Views: 8518

Re: Pay off mortgage in 7 years using HELOC?

This sounds like when someone borrows money to pay off their credit card debt (consolidate their debt). What difference does it make? They still owe it. People are always looking for an easy way out. There are no magic tricks to get out of debt. The difference is if you owe $25k at 27%, it will tak...
by lazydavid
Sun Jun 10, 2018 7:28 am
Forum: Personal Consumer Issues
Topic: New or used Genesis reviews
Replies: 14
Views: 1766

Re: New or used Genesis reviews

My parents bought a 2012 Genesis 3.8 new (replaced a 2000 Avalon) and absolutely love it. The only thing they've had to do other than scheduled maintenance over those 6 years is to repair a bumper that someone sideswiped in a parking lot (obviously not Hyundai's fault). They take a lot of driving va...
by lazydavid
Sat Jun 09, 2018 8:25 am
Forum: Personal Consumer Issues
Topic: Porsche Macan
Replies: 28
Views: 3006

Re: Porsche Macan

Malinois000 wrote:
Sat Jun 09, 2018 6:50 am
It's our weekend, valet our car, "date" vehicle for the most part. Good luck.
As someone who has found out the hard way that there is often no recourse when a valet steals or destroys your car, I strongly advise against this.
by lazydavid
Sat Jun 09, 2018 8:12 am
Forum: Personal Consumer Issues
Topic: Latitude convertible on woot today
Replies: 3
Views: 720

Re: Latitude convertible on woot today

woot deals are only available for 24 hours, midnight-midnight CST. You looked 75 minutes after it expired. But agreed, end thread.
by lazydavid
Fri Jun 08, 2018 11:51 am
Forum: Personal Consumer Issues
Topic: Porsche Macan
Replies: 28
Views: 3006

Re: Porsche Macan

Offer 50 :happy https://rick-hill.porschedealer.com/inventory/?condition=new&make=Porsche&model=Macan&_pcids=2aeb0d49142e4b1dacf5c976c4c3e770%2c31418cd5eef74df49b87960a7b5cc80a%2c94d8a2a37395b143ca6c112dabd06100%2cdfd0b9a89179e9b72c2b448a75df2725&_pcsourceid=054e8c546ec15622067d1571e44d3b91&_vsrefd...
by lazydavid
Fri Jun 08, 2018 8:38 am
Forum: Personal Consumer Issues
Topic: To remove coffee tea stain from mug, use QxyClean
Replies: 9
Views: 976

Re: To remove coffee tea stain from mug, use QxyClean

OxiClean is basically hydrogen peroxide. If you keep that around as an anti-septic you can just put a little in the cup with water and leave it for a while. Bleach will work too. Partially correct. OxiClean is a mixture of Sodium Percarbonate (which releases Hydrogen Peroxide when dissolved in wate...
by lazydavid
Fri Jun 08, 2018 5:24 am
Forum: Personal Consumer Issues
Topic: Latitude convertible on woot today
Replies: 3
Views: 720

Latitude convertible on woot today

Over the past few months there have been several threads about laptop selection. In a few of them, I've recommended refurbed or off-lease business-class laptops, as they're significantly better built than the consumer models. Today woot! has a refurb Dell Latitude 5289 on their clearance page: https...
by lazydavid
Thu Jun 07, 2018 5:20 am
Forum: Personal Finance (Not Investing)
Topic: What is your Take Home Pay / Gross Pay ratio?
Replies: 75
Views: 5658

Re: What is your Take Home Pay / Gross Pay ratio?

56%. Maxing 401k, medical and dependent care FSAs, plus the usual insurance. I haven't been able to convince SWMBO that over-withholding is a bad thing, so we tend to get refunds of about 4% of gross every year.
by lazydavid
Wed Jun 06, 2018 7:47 pm
Forum: Personal Consumer Issues
Topic: Upgrade to SSD for 5-year old desktop?
Replies: 64
Views: 3366

Re: Upgrade to SSD for 5-year old desktop?

I wouldn't I would upgrade with a new computer. You can get a whole lot of bang for the buck for a desktop. I just picked up one from Walmart for 349 on sale. HP,1 terabyte,8gig ,Windows10,bluetooth,I3 7th generation,small form factor. Hardware and software has improved vastly in the last 5 years. ...
by lazydavid
Wed Jun 06, 2018 6:59 pm
Forum: Personal Consumer Issues
Topic: Tires: Where to Get? Warranty? And Questions?
Replies: 74
Views: 6023

Re: Tires: Where to Get? Warranty? And Questions?

Does anyone know with that frequency or timing Costco offers this $70 4 tire Michelin discount? I suspect it may be worth replacing the 4 tires a bit earlier to get that discount? With the exception of an occasional 2-5 day gap between promotions, Costco ALWAYS has either Bridgestone or Michelin on...
by lazydavid
Wed Jun 06, 2018 4:45 am
Forum: Personal Consumer Issues
Topic: New AC Unit broken or "feezing". HVAC company says it's my fault for "running it too hard". What can I do?
Replies: 55
Views: 5147

Re: New AC Unit broken or "feezing". HVAC company says it's my fault for "running it too hard". What can I do?

Depending on how your unit is designed and the popsicleness of the condenser coil, this might dump a bunch of water on the blower. I'm not sure that is any worse than a drip drip drip on the blower though. This could only be an issue in an updraft unit, and I would hope that they were designed to h...
by lazydavid
Mon Jun 04, 2018 12:59 pm
Forum: Personal Finance (Not Investing)
Topic: Using PersonalCapital, Mint, etc.... - and fraud concerns
Replies: 36
Views: 5549

Re: Using PersonalCapital, Mint, etc.... - and fraud concerns

You can't wire money from a financial institution without verbal authorizations, which will be done using the phone numbers on file. ACH transfers and other "popmoney" type transactions have relatively small daily dollar limits. None of this is true. I transfer money between accounts all the time w...
by lazydavid
Sun Jun 03, 2018 6:57 am
Forum: Personal Finance (Not Investing)
Topic: 125K Spend - Would you do this ?
Replies: 53
Views: 4987

Re: 125K Spend - Would you do this ?

Can you buy a larger house with a 4th bedroom for the $125k incremental cost vis a vis your current house? Otherwise, lots of good suggestions here. I would definitely look into a high-end recliner that can be used as a chair during the day, and switch into a lie-flat or zero-gravity position when y...
by lazydavid
Sun Jun 03, 2018 6:28 am
Forum: Personal Consumer Issues
Topic: Top Shelf Liquor Overrated?
Replies: 185
Views: 15333

Re: Top Shelf Liquor Overrated?

rob wrote:
Fri Jun 01, 2018 12:22 pm
I could never tell the difference between Vodka.
This is the way it should be. Vodka is a neutral spirit, which means it's supposed to be distilled pure alcohol, cut with purified water. If you can taste a difference between them, that means one or more is bad (poorly made).
by lazydavid
Sun Jun 03, 2018 6:24 am
Forum: Personal Consumer Issues
Topic: Need to replace my Vizio TV..............
Replies: 35
Views: 2522

Re: Need to replace my Vizio TV..............

Agree with everyone's suggestion to get a soundbar, but disagree with how it should be hooked up. Don't use optical or RCA, use HDMI. If the soundbar you select has enough inputs--for example if you only need one for your cable box, and don't have a blu-ray player, game console, or whatever--just ru...
by lazydavid
Fri Jun 01, 2018 12:58 pm
Forum: Investing - Theory, News & General
Topic: Investment money is "Fungible"
Replies: 82
Views: 5589

Re: Investment money is "Fungible"

I misread your scenario. You still have money in taxable in either scenario. Like some others, you are assuming you have ample money in taxable to handle any and all downturns. My argument is you can’t make that assumption for most people. If you have a lot of money in taxable then I would agree wi...
by lazydavid
Fri Jun 01, 2018 12:56 pm
Forum: Investing - Theory, News & General
Topic: Investment money is "Fungible"
Replies: 82
Views: 5589

Re: Investment money is "Fungible"

JBTX wrote:
Fri Jun 01, 2018 12:42 pm
That is the key assumption. That isn’t true for everybody.
It is and it isn't. If the balances are insufficient, the whole exercise becomes moot. If you only have $5k in each account (or insert any combination adding up to <$20k), you can't withdraw $20k no matter what you do.
by lazydavid
Fri Jun 01, 2018 12:36 pm
Forum: Investing - Theory, News & General
Topic: Investment money is "Fungible"
Replies: 82
Views: 5589

Re: Investment money is "Fungible"

So I assume it really gets down to a tax argument - and proponents believe that the benefits of having equities in taxable and bonds in tax deferred makes an appreciable difference, and is worth the risk of depleting your taxable accounts such that you can't meet your short term goals? The argument...
by lazydavid
Fri Jun 01, 2018 12:26 pm
Forum: Investing - Theory, News & General
Topic: Investment money is "Fungible"
Replies: 82
Views: 5589

Re: Investment money is "Fungible"

A less absolute example is the difference between money in a taxable account and money in a tax-free account. You can't arbitrarily chose which account to spend from without different consequences. In general differently held money may have different constraints in which case the fungibility (inter...
by lazydavid
Thu May 31, 2018 11:19 am
Forum: Personal Consumer Issues
Topic: Home printer
Replies: 50
Views: 3167

Re: Home printer

Thanks for that. I hadn't realized color laser AIO printers have fallen to this price level. Would you mind telling us which laser AIO you bought and whether you recommend it? I got the Dell H625cdw for $222. Looks like it's discontinued now (Still available on Amazon for $243), but other than that...
by lazydavid
Wed May 30, 2018 6:50 pm
Forum: Personal Consumer Issues
Topic: Home printer
Replies: 50
Views: 3167

Re: Home printer

Our next printer will be an Epson ecotank. https://www.amazon.com/Epson-Expression-Supertank-Smartphone-Refillable/dp/B01122JHMG It uses refillable ink cartridges. The printer costs double what a comparable one would cost but I'm hoping it'll last long enough to save on ink and give us quality colo...
by lazydavid
Wed May 30, 2018 1:07 pm
Forum: Personal Consumer Issues
Topic: Home printer
Replies: 50
Views: 3167

Re: Home printer

Canon and Epson both make color inkjets that use very cheap bottles of ink that you squirt into large reservoirs on the printer. The per page cost is about the same as my Brother BW laser printer. (I have 2 printers.) I have the Canon megatank g3200, but Costco is running a sale on the Epson Ecotan...
by lazydavid
Wed May 30, 2018 9:08 am
Forum: Personal Consumer Issues
Topic: Router hack, have you acted?
Replies: 101
Views: 8759

Re: Router hack, have you acted?

It is good to run this check to see if your equipment is exposed to hackers: https://www.grc.com/x/ne.dll?bh0bkyd2 Seriously? Download and run an unknown DLL? I think not. Steve should put a different extension on the page, but it's a page, not a client-side dll. It might be a server-side dll, but ...
by lazydavid
Wed May 30, 2018 9:02 am
Forum: Personal Consumer Issues
Topic: Router hack, have you acted?
Replies: 101
Views: 8759

Re: Router hack, have you acted?

I am not worried about it. There are a lot of routers in this country. The chances of the bad guys coming after mine are pretty small. Within a few days of vulnerabilities like this becoming public, every impacted device will be listed in search engines like Shodan . Bad guy can pull the list of al...
by lazydavid
Tue May 29, 2018 8:50 am
Forum: Personal Consumer Issues
Topic: How To Store Blue Rhino Tanks Safely
Replies: 35
Views: 2709

Re: How To Store Blue Rhino Tanks Safely

I had a natural gas line run to my grill. The savings on tank refills has paid for the gas line, plus I don't have the inconvenience or effort involved with changing tanks. Of course, tank storage is a non-event. If you have NG available, I highly recommend it. This. Both of our houses have had an ...
by lazydavid
Mon May 28, 2018 3:30 pm
Forum: Personal Consumer Issues
Topic: Lexus RX 350, Audi Q5, or Volvo XC 60 (update)
Replies: 121
Views: 9107

Re: Lexus RX 350, Audi Q5, or Volvo XC 60 (update)

Which year model did you have? Seems like a lot of issues with one car. 2007 RX350. The good news is it's been almost perfectly reliable after the extended warranty expired. Only required some coilpacks to be replaced (which I consider a maintenance item), and a leaky trans cooler. Currently 12 yea...
by lazydavid
Mon May 28, 2018 10:57 am
Forum: Personal Consumer Issues
Topic: Lexus RX 350, Audi Q5, or Volvo XC 60 (update)
Replies: 121
Views: 9107

Re: Lexus RX 350, Audi Q5, or Volvo XC 60 (update)

When I bought a CPO Lexus, they always ask me if I want an extended warranty. I respond "This car is a Lexus. If it needs an additional warranty, then you are really in trouble, so I am not paying for it." Ours was not a CPO (demo w/balance of factory), but we bought the extended warranty. Mostly b...
by lazydavid
Sat May 26, 2018 11:25 pm
Forum: Personal Consumer Issues
Topic: Computer RAM Prices
Replies: 11
Views: 1319

Re: Computer RAM Prices

I thought the 100,000+ computer purchases were of low to mid range specs Possible, but seems unlikely given what they're being used for. AWS is essentially a giant Virtualization farm, which is the same thing I'm doing only 700 orders of magnitude larger. VM hosts are almost always memory-bound, bu...
by lazydavid
Sat May 26, 2018 4:56 pm
Forum: Personal Consumer Issues
Topic: Computer RAM Prices
Replies: 11
Views: 1319

Re: Computer RAM Prices

This has hit me in a major way this year, as I'm in the middle of a server refresh cycle. The price of RAM doubled between April and January, and then again from January to May. End result is a server with 512GB of RAM cost me $12k all-in 13 months ago. This month the memory alone was almost $19k, t...
by lazydavid
Fri May 25, 2018 7:26 am
Forum: Personal Finance (Not Investing)
Topic: Should I buy a new car?
Replies: 46
Views: 2930

Re: Should I buy a new car?

Thanks for the great feedback. I actually did read that long-term test! I haven't had any bad experiences with wheels/tires on vehicles, so it's hard for me to visualize without mentally "discounting" the advice. Believe it. I put 19s on my 3-series shortly after I bought it. Several got bent or cr...
by lazydavid
Thu May 24, 2018 4:54 pm
Forum: Personal Finance (Not Investing)
Topic: Am I crazy to pay off my 30-yr fixed 3.625 mortgage?
Replies: 129
Views: 13913

Re: Am I crazy to pay off my 30-yr fixed 3.625 mortgage?

One thing you could do is put an amount equivalent to your mortgage balance in taxable in something like a 60/40 mix. Call it your mortgage payoff fund. Evaluate each year whether or not return in the fund exceeds interest rate on mortgage. A few down years and you may just decide to be rid of the ...